Your money doesn't live in one currency. Your finance app shouldn't pretend it does.
Aurora keeps a separate ledger for every country you earn, spend, and save in — Dubai, Seoul, Hong Kong — and shows you the one number that's actually true, in the currency you'll actually use. In every one of them, your savings come out first.
No card required · your free trial of a paid plan only starts counting the day our iOS and Android apps go live
Save first. Spend what's left.
Most apps track what you already spent. Aurora flips the equation — it sets aside your seed money before you budget a single expense, so saving stops being the leftover and starts being the plan.
You spend through the month and hope something is left to save. Usually, nothing is. Saving is an accident.
You set aside savings the moment income lands. You spend confidently on the rest. Saving becomes the plan, not the remainder.
A path from your first paycheck to real wealth.
Aurora isn't a spending tracker with a savings tab bolted on. It's built around one journey: build the habit, live within it, then put your seed money to work.
Save
The moment income lands, Aurora carves out your savings target first. Your spending budget is whatever remains — and it's always honest, because the seed money is already gone.
Spend
Capture spending by photo, email, or chat — across every currency you earn in. A 35-day forward projection tells you exactly what's safe to spend before the next paycheck.
Grow
Track your holdings, property, and other assets in your ledger's home currency. See portfolio value and gains or losses, set a target amount and date, and follow your progress as you plan regular contributions.
Your savings come out of the budget first.
Open your month and the very first line isn't an expense category — it's your savings. Aurora subtracts it before anything else, then shows you a single number: what's genuinely free to plan.
- ✓Pay yourself first, automatically. Savings is allocated the moment income arrives — not whatever survives the month.
- ✓A spending budget you can trust. “To Be Planned” only counts money left after saving, so you never accidentally spend your seed money.
- ✓Watch the habit compound. Every month you hit the target, your seed money grows — the foundation for everything you'll invest later.
They were built for one currency. You don't live in one.
You've tried the popular apps. They lump your dirham and your won into one dollar figure that's wrong the moment you look at it — they're built around home-country banks and shrug at everywhere else, and they tell you what you spent while leaving you to figure out what to do. You ended up back in a spreadsheet. So did we. So we built the thing the spreadsheet was standing in for.
Hold 10,000 CAD and 10,000 USD, and it shows you "$20,000" — summing two currencies as if they were identical. Its own help centre admits this produces misleading totals.
A number that moves with the FX market tells you nothing about your actual financial life.
Each country stays its own world — its own home currency, accounts, budgets, and projections. We never sum across them in the everyday view.
Need one figure for a mortgage or tax filing? A Cross-Ledger Report converts on demand — timestamped, FX-stamped, always with the per-ledger breakdown.
Track, budget, plan, and foresee every money move.
The fundamentals every personal finance app owes you — done properly, in every ledger.
Track
Every transaction, captured your way and reconciled automatically. Nothing slips through.
Budget
By the month and the year, with pace you can read at a glance — green, amber, red.
Plan a goal
Set a target, link the money that's funding it, and watch it move — ahead, on pace, or slipping.
Foresee
A 35-day projection across every account that surfaces the dip before you reach it.
Built for a life that crosses borders.
The fundamentals are table stakes. These are the four no other app combines.
One ledger per country
Real isolation, never a fake total. The headline number is always the one that's true.
No bank login. Any country.
Aurora never asks for your banking password. Card text messages, receipts and statements bring your payments in — from any bank, anywhere.
It tells you the next move
Prescriptive, not just a report. Aurora says how much to move, from where, by when.
Capture however you live
Receipt-keeper or never-sits-still — five ways in, one clean ledger, your call.
A separate world for every currency you live in.
Most apps treat multiple currencies as an edge case to be summed away. Aurora treats them as the point. Each ledger has its own home currency — fixed for life — and its own accounts, budgets, goals, and projections.
- ✓Expats managing a UAE salary and a Korean mortgage without one distorting the other.
- ✓Cross-border professionals keeping AED, HKD, and KRW activity clean and separate.
- ✓Small operators whose business ledger and personal ledger must never touch.
We never add these together. There is no "$23,000."
No single bank sees the whole picture. You don't need one to.
Your bank's app shows its own accounts, in its own country. Aurora takes payments from wherever they already reach you — card text messages, forwarded email receipts, statement files, photos of receipts — with no bank login and no passwords shared. It matches the same purchase across text, receipt and statement so it counts once, and keeps each country in its own ledger, in its own money — so together never means blended.
5 ways in · 3 countries · still isolated by ledger
Earning, spending, and saving are different states of mind.
Asking "where did my money go?" is a completely different headspace from "am I building toward anything?" Aurora splits your financial life into three lenses — each its own room, with its own widgets, framing, and colour language.
And it goes beyond the month: a true yearly budget lets you plan all twelve months, distribute unevenly where life is uneven, and track against the whole year. Momentsare the product's voice — not notifications, but a trusted advisor that says what happened, what it means, and what to do next.
From the receipt-keeper to the never-sits-still. One app, both of you.
Personal finance tools force a style on you. Aurora meets yours — capture every receipt and reconcile to the line, or forward your statements and let Aurora read them. Whichever you use, reconciliation is the same: Aurora figures out what's a duplicate, what's a match, and what needs your eyes — and only asks about the last one.
On the native iOS and Android apps, AI does the heavy lifting: snap a receipt and Aurora reads the merchant, amount, date — even line items — then categorizes it automatically. A photo becomes a clean, sorted transaction in seconds, in the right ledger.
See where your money is — and where it's heading.
The Accounts page answers two questions at once. Where is my money right now — every account, your Net liquid position, what's owed on cards. And the one almost nothing else answers well: what's about to happen?
Aurora projects your balances 35 days forward across every account, surfaces your low point before you reach it, and when a card auto-pay is going to fall short, tells you the exact next move — how much to move, from where, by when.
This is the difference between an app that reports the past and one that helps you steer.
If you live across borders, you already know.
The expat household
Earning in one currency, remitting in another, life split across two countries. Two ledgers that finally stay honest about which is which.
The cross-border professional
Consulting and travel, with income and expenses landing in three currencies a month. Each corridor clean, each projection real.
The multi-entity operator
A side business and a personal life that must never bleed into one another. Hard isolation, by design — not by discipline.
Ask your money anything. It answers in your own numbers.
Talk to it the way you'd talk to a friend who's good with money. No menus, no keywords, no “sorry, I didn't understand” — ask, follow up, change your mind. It reads the ledger you have open, down to the lines on your receipts, and answers with your actual figures.
A conversation, not a chatbot
Ask a follow-up and it remembers what you were talking about. “Is that new spending, or did I just move it online?” just works.
Your figures, not averages
Merchants, categories, budgets and receipt items — read straight from your own ledger, so the answer is about you, not a typical household.
Looks, never touches
It can read the ledger you have open and nothing else, it can't change a thing, and your questions are deleted after 30 days.
Included in Single, Couple / Expat and Family. Compare plans →
Answers are written by AI and can be wrong. They are not financial, tax or legal advice.
Start free. Grow into the plan that fits.
Capture, budgets and the dashboard are free for good. Paid plans add AI Money Buddy, receipts, goals, investments, statement import and room for the whole household.
Free
60 transactions a month · 1 ledger · 1 member
- ✓Monthly budget
- ✓Card SMS capture
- ✓Automatic categories
- ✓CSV export
Single
300 transactions a month · 2 ledgers · 1 member
Everything in Free, plus
- ✓AI Money Buddy
- ✓Photo and e-mailed receipts
- ✓Savings goals
- ✓Cross-Ledger Report
- ✓Investments and loans
- ✓Trips
- ✓Yearly plan
- ✓Monthly Letter
Couple / Expat
600 transactions a month · 5 ledgers · 2 members
Everything in Single, plus
- ✓Statement import
- ✓Share with your household
- ✓Reconcile workbench
Family
2,000 transactions a month · 10 ledgers · 6 members
Everything in Couple / Expat, plus
- ✓2,000 transactions a month
- ✓Up to 10 ledgers
- ✓Up to 6 members
Our iOS and Android apps are in review with Apple and Google. Join and use the web app now — your 14-day free trial of a paid plan only starts counting the day the apps go live. No card needed. Prices in US dollars; change or cancel any time.
Compare every featureHide the comparison
| Feature | Free | Single | Couple / Expat | Family |
|---|---|---|---|---|
| Limits | ||||
| Transactions a month | 60 | 300 | 600 | 2,000 |
| Active ledgers | 1 | 2 | 5 | 10 |
| Household members | 1 | 1 | 2 | 6 |
| Dashboard | ||||
| Dashboard — income, spending and budget | Included | Included | Included | Included |
| Goals on the dashboard | Not included | Included | Included | Included |
| 35-day cash cushion forecast | Included | Included | Included | Included |
| Net worth across accounts | Not included | Included | Included | Included |
| Getting transactions in | ||||
| Manual entry | Included | Included | Included | Included |
| Card SMS capture | Included | Included | Included | Included |
| Photo receipts | Not included | Included | Included | Included |
| E-mailed receipts, with Gmail forwarding | Not included | Included | Included | Included |
| Automatic categories | Included | Included | Included | Included |
| Marketplace receipts split by item | Not included | Included | Included | Included |
| Receipts matched to card SMS | Not included | Included | Included | Included |
| Credit card statement import (PDF) | Not included | Not included | Included | Included |
| Bank statement import (PDF) | Not included | Not included | Included | Included |
| Reconcile workbench | Not included | Not included | Included | Included |
| Transaction tools | ||||
| Search, edit, split, transfers and refunds | Included | Included | Included | Included |
| Trips | Not included | Included | Included | Included |
| Recurring bills, with late-payment detection | Included | Included | Included | Included |
| Auto-categorise rules | Included | Included | Included | Included |
| Tags | Included | Included | Included | Included |
| Budget | ||||
| Monthly budget | Included | Included | Included | Included |
| Yearly plan and overview | Not included | Included | Included | Included |
| Rollover | Included | Included | Included | Included |
| Budget thresholds | Included | Included | Included | Included |
| Savings | ||||
| Savings goals | Not included | Included | Included | Included |
| Investments | ||||
| Investments — holdings and activity | Not included | Included | Included | Included |
| Accounts | ||||
| Credit card accounts | Included | Included | Included | Included |
| Cash wallets | Included | Included | Included | Included |
| Current and savings accounts | Included | Included | Included | Included |
| Loan accounts | Not included | Included | Included | Included |
| Investment accounts | Not included | Included | Included | Included |
| Card payment-due projection | Included | Included | Included | Included |
| Receipt data | ||||
| Receipt price sharing and price search | Not included | Included | Included | Included |
| Reporting | ||||
| Monthly Letter | Not included | Included | Included | Included |
| Cross-Ledger Report | Not included | Included | Included | Included |
| CSV export | Included | Included | Included | Included |
| AI | ||||
| AI Money Buddy — ask questions about Aurora and your own figures | Not included | Included | Included | Included |
| Settings | ||||
| Currency, categories, notifications and SMS senders | Included | Included | Included | Included |
| Invite household members | Not included | Not included | Included | Included |
| Platform | ||||
| Mobile app | Included | Included | Included | Included |
No ads, ever. You're the customer, not the product.
Capture a week. See your first projection.
Start with the free app. Upgrade when you're ready to plan — not before.